Andrew and Helen were both in their late 50s and beginning to think seriously about retirement. Between them, they had built up several pensions over the years, alongside ISAs and other investments, but they weren’t sure how it all fitted together or whether they could afford to retire when they wanted.
Our Approach
Their main concern was simple: “Are we actually in a position to stop working, and if so, when?”
One of our advisers, Kate, worked with Andrew and Helen to bring together all of their existing arrangements, creating a clear picture of their overall position. We used cashflow modelling to map out their future income and expenditure, allowing us to test different retirement scenarios and understand what was realistically achievable.
We also reviewed how their pensions and investments were structured, ensuring the level of investment risk was appropriate as they approached retirement, and aligned with how their income would be drawn in the years ahead, while also taking into account their wider estate planning objectives and family priorities.
The Outcome
As a result, Andrew and Helen were able to move forward with a clear retirement plan. They had a realistic timeline, a structured approach to their finances, and the confidence to make decisions about the next stage of their lives.
